Helping Professionals and Business Owners Retire Successfully
Many people contemplating retirement have common questions and concerns
Many of our clients used to have these same concerns. You don’t have to do it alone. We’re here to help you pursue your retirement or work-optional lifestyle so you can pursue your ideal life with confidence.
Why Headwater?
We are dedicated to professionally managing, educating, supporting and servicing each client every step of the way. To learn about our firm's philosophy, watch the video below.

Our Proprietary Process - The MosaIQ Method
To address our clients' evolving needs and concerns, we developed a proprietary process called The MosaIQ Method. Our process intelligently arranges your financial pieces in such a way to create a unique picture of your ideal life.
It is designed to continually monitor your critical life and financial events and adjust to keep your plan on track. The MosaIQ Method ensures we never lose sight of the two elements essential to achieving financial independence - the things that matter and the things we can control.
To learn about the MosaIQ Method, watch our video.
Next Steps

INTRO
Schedule an Intro Meeting. Together we assess whether our practice's tenets and your service needs mutually align for a successful long-term relationship.

Discover
Once a fit is determined, we listen as our clients describe their ideal life. We then create a thorough Personal Financial Profile to develop strategies that unite the two.

Design
New clients are on-boarded and receive their Personal Financial Organizer with the MosaIQ method applied to their situation. Any final adjustments are made here.

Finding Efficiency in Inefficient Markets
Our proprietary investment research seeks to identify investments demonstrating an ability to produce better returns relative to the risk needed to generate them. We call this efficiency. Our research calculates numerical factors using daily price changes for each security we analyze so they can be effectively compared to both similar and dissimilar investments. By using daily factors, the research can pick up on trends and shifts in market movements. These factors provide valuable insight as to which investments either remain in, removed from or added to portfolios.
Watch the video to learn more about our investment research process.
Michael Caputo
Managing Director - Chief Investment Officer
205.972.1213
Michael founded Headwater Asset Management in 2009 and serves as its president and portfolio manager. Michael has 30 years experience in financial management including 16 years in the financial services industry serving individuals,...
Karen Caputo
Client Engagement Director
205-972-1213
Karen serves as Client Engagement Director and is responsible for new client onboarding and client communications. Karen holds a Bachelors of Science degree in Accounting from the University of Alabama. She has an extensive financial...